FNB Washington: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 2.22 percentage points in Q2 2026, from 1.01% to 3.23%. It was the largest change from Q1 2026 among the key lines here. FNB Washington ranks 105th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 72.32% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. FNB Washington sits 4.99 points higher, at 72.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $41.5M |
| Net loans and leases | $40.6M |
| Loans held for sale | $0 |
| Loans to total assets | 47.28% |
| Loan-to-deposit ratio | 72.32% |
| Net loans to equity capital | 1.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.00% |
| Consumer | 4.33% |
| Credit cards | 0.00% |
| Farm | 61.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.23% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.45% |
| Interest income on loans | $643K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $39.5M | $59.1M | 6.10% | 3.93% | 4.30% |
| Q4 2023 | $38.2M | $61.7M | 5.67% | 4.30% | 4.43% |
| Q1 2024 | $38.0M | $60.8M | 4.69% | 5.13% | 4.51% |
| Q2 2024 | $38.3M | $53.7M | 4.50% | 4.97% | 7.01% |
| Q3 2024 | $39.4M | $56.6M | 3.99% | 7.11% | 4.21% |
| Q4 2024 | $40.1M | $56.2M | 4.09% | 6.50% | 4.41% |
| Q1 2025 | $40.0M | $57.3M | 4.35% | 5.96% | 4.52% |
| Q2 2025 | $41.1M | $53.7M | 4.27% | 5.22% | 4.15% |
| Q3 2025 | $39.6M | $52.1M | 4.40% | 5.11% | 4.38% |
| Q4 2025 | $42.4M | $56.0M | 4.56% | 4.53% | 3.98% |
| Q1 2026 | $41.5M | $56.6M | 4.12% | 4.70% | 3.55% |
| Q2 2026 | $41.5M | $57.4M | 4.91% | 4.00% | 4.33% |
FNB Washington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Washington, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FNB Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4792) · FFIEC NIC profile (RSSD 209559)